A scammer – whether contacting via email, phone or text – needs to convince you he’s legit, and some are willing to show you official badges. But they’re not official.

The change applies to independent contractors SBA called “disadvantaged” in its earlier calculation system that looked at net profits. Now gross income may be used.

The fertility rate hit its lowest point in 100 years and the share of buyers with children dropped to 33% from 58% in 1985. And that changes buyers’ housing preferences.

The Racism and the Economy series, sponsored by all 12 Federal Reserve Banks, examines structural racism. The March 1 conference focused on how racism, racial exclusion and predatory practices limited housing opportunities and wealth-building for communities of color.

Federal aid for renters and their landlords is out there, but distribution is uneven ahead of a March 31 end to the eviction ban – though that could still be extended.

In four Fla. cities considered, buyers with $2,500 monthly budgets would see the number of “homes I can afford” drop by about 1.5% compared to 2.75% interest rates.